Contact 3BCash

Q: How do I text 3BCash about my application?

Text our help line at 1-888-548-0467, or email textcustomersupport@3bcash.com. Standard message and data rates may apply.

Have a question about an application, an existing loan, or how 3BCash works? Reach our support team by phone, email, text, or mail — our office is open Monday–Friday, 8:00 AM to 7:00 PM EST.

866-337-9947phone support

[email protected]email support

1-888-548-0467text help line

M–F, 8 AM–7 PM ESToffice hours

Apply Now Soft credit check · Approval not guaranteed

Ways to Reach Us

Pick whichever channel fits your question best. Phone tends to be fastest during business hours; email and text work well when you don't need an answer on the spot.

Phone

866-337-9947, Monday–Friday, 8:00 AM–7:00 PM EST. Best for application status and time-sensitive questions.

Fax

866-422-4776 for documents and written correspondence you can't send by email.

Email

[email protected] for account and application questions. We generally respond during business hours.

Text

Text HELP to 1-888-548-0467 or email [email protected]. Msg & data rates may apply, and message frequency varies. See our text message policy.

Mail

PO Box 154, Culpeper, VA 22701 — use this address for all written correspondence, including a written right-to-cancel notice.

Office

1108 E South Union Ave, Midvale, UT 84047. Please direct mail to our PO Box instead.

No matter which channel you use, please don't send sensitive information like a full bank account number or Social Security number by email or text. Use the secure online application form or a phone call for anything that sensitive.

Office Hours

Monday–Friday, 8:00 AM–7:00 PM EST.
Closed Saturdays, Sundays, and holidays.
Applications submitted and verified by 7:00 PM EST can receive a decision the same day.
We contact approved applicants within about an hour during business hours.

If you reach out outside business hours, leave a message or send an email — we'll follow up as soon as we're back online the next business day.

What to Have Ready

Calling or emailing goes faster if you have a few details on hand:

Your name and the phone number or email used on your application.
A form of government-issued ID.
Your loan reference number, if you've already applied or have an existing loan.
The specific question or issue — application status, payment, or account update.

Questions or Complaints

Have an issue with your loan or application? Visit our questions & complaints page for the full resolution process. You can also call 866-337-9947 or email [email protected] directly, and we'll do our best to resolve it during business hours.

We aim to acknowledge complaints quickly and work toward a resolution directly with you first. If you're not satisfied with how a complaint was handled, our questions & complaints page explains the additional options available to you.

New to 3BCash?

If you haven't applied yet, our how it works page walks through the full process — application, decision, and funding — and our about us page covers who we are as a direct lender. Loans are not available in all states.

Visit Our Office

Three B Financial, LLC (3BCash)
1108 E South Union Ave, Midvale, UT 84047 · Get directions

1108 E South Union Ave, Midvale, UT 84047. Please send mail correspondence to PO Box 154, Culpeper, VA 22701 instead of this address.

Ready to apply?

Soft credit check · Fixed payments · Approval not guaranteed

Apply Now

Frequently Asked Questions

What are 3BCash's hours?

Monday through Friday, 8:00 AM to 7:00 PM EST. We're closed weekends and holidays.

What's the fastest way to reach 3BCash?

Call 866-337-9947 during business hours for the fastest response. Email [email protected] works well for non-urgent questions.

Where do I mail documents to 3BCash?

Mail correspondence to PO Box 154, Culpeper, VA 22701. Please don't send mail to our Midvale, UT office address.

How do I text 3BCash about my application?

Text our help line at 1-888-548-0467, or email [email protected]. Standard message and data rates may apply.

What should I have ready when I call?

Your application reference (if you've already applied), a form of ID, and your loan or account details help us answer faster.

How do I file a complaint?

Visit our questions & complaints page for the full process, or call us directly at 866-337-9947.

Representative examples. A $500 loan repaid in 16 bi-weekly payments at 36% APR has payments of $35.05 and a total of payments of $560.87 (finance charge $60.87). The same $500 loan at 145% APR has payments of $48.05 and a total of payments of $768.78 (finance charge $268.78). A $1,000 loan repaid in 16 bi-weekly payments at 36% APR has payments of $70.11 and a total of payments of $1,121.74 (finance charge $121.74). These are examples only — your APR, payment amount and number of payments depend on the law of your state, the loan amount and your application; confirm your exact terms when you complete the application form. See rates by state.

Rates and availability. Loans from $100 to $35,000 with terms from 7 days to 12 months. Rates and fees are standard and stay within the limits set by the law of the state where the loan is made. Loans are not available in all states. Approval is not guaranteed; the amount you qualify for depends on your income and application.

Credit check. We start with a soft credit inquiry that does not affect your credit score; a hard credit inquiry may be made before final approval. 3BCash does not report your payments to credit bureaus.

Funding. If your application is received and verified by 7:00 PM EST on a business day and approved, funds are generally deposited into your bank account the next business day. Availability of funds may depend on your bank.

Repayment. Loans are repaid in fixed installments with part of every payment going to principal. No rollovers and no prepayment penalty. Late or returned payments may result in fees permitted by your state's law and collection activity — contact us before a payment is due if you expect difficulty paying.

Right to cancel. You may cancel your loan without any finance charge by sending written notice by fax or email by 5:00 PM Mountain Standard Time on the next business day after your loan is made.

Responsible borrowing. Installment loans can be an expensive form of credit and are meant for short-term financial needs, not as a long-term financial solution. Borrow only what you can repay.

Military borrowers. We comply with the Military Lending Act. Federal law provides important protections to members of the Armed Forces and their dependents; in general, the cost of consumer credit to a covered borrower may not exceed a 36% Military Annual Percentage Rate. See Licenses & Disclosures.

Equal Credit Opportunity. The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

Questions or complaints. Call 866-337-9947 or email [email protected]. Utah residents may contact the Utah Department of Financial Institutions at 801-538-8830. You may also submit a complaint to the Consumer Financial Protection Bureau at consumerfinance.gov.

Three B Financial, LLC (3BCash) · 1108 E South Union Ave, Midvale, UT 84047 · Mailing: PO Box 154, Culpeper, VA 22701.

Application form. Our online application form is provided by a technology partner; information you submit is handled under the form's own terms and privacy notice, shown before you submit.